2016 Postmortem
Related: About this forumBreaking...2 Hours Before the Debate, Sanders Reveals his Health Plan; Raises Taxes.
saltpoint
(50,986 posts)kinds have to be funded. Funding them likely involves tax revenue.
Said revenues invest in the quality of life for citizens generally and for citizens struggling to survive especially.
I personally can't cover the whole bill but would happily pay my fair share so that the services that are needed reach the people who need them.
msanthrope
(37,549 posts)saltpoint
(50,986 posts)msanthrope. The question is whether the social services are essential for others' well-being.
They are.
A revenue source must be located to fund initiatives supporting those services.
Don't begin with the memorandum about the policy; begin with why the services are essential.
daleanime
(17,796 posts)as essential.
saltpoint
(50,986 posts)those left out are undeserving of "free stuff" and would continue to conduct themselves in as Romneyesque a manner as possible.
Which is not to say Democrats should not oppose that kind of class privilege or abandon its commitment to needy populations.
Fawke Em
(11,366 posts)in just PREMIUMS. That doesn't even include deductibles.
pangaia
(24,324 posts)Autumn
(45,120 posts)to help and give America Medicare for All.
arcane1
(38,613 posts)A wise woman once said that Democrats should be ashamed of themselves if they argue against single payer. I wonder what happened to her...
ladyVet
(1,587 posts)libdem4life
(13,877 posts)ETA: On a wild debate night
libdem4life
(13,877 posts)leftofcool
(19,460 posts)tk2kewl
(18,133 posts)tk2kewl
(18,133 posts)And very progressive tax plan. No more free rides for the rich.
msanthrope
(37,549 posts)earthside
(6,960 posts)So, name me a way that we pay for health care that is strictly progressive and isn't paid for by somebody?
uponit7771
(90,359 posts)tk2kewl
(18,133 posts)Come back again and tell my why the marginal rates and capital gains taxes proposed aren't progressive
uponit7771
(90,359 posts)tk2kewl
(18,133 posts)that makes those most able to contribute pay their fair share. Why are you?
uponit7771
(90,359 posts)... being paid.
8.4 (2.2 + 6.2)% of 50,000 is 4200 yearly + 466 is 4666 which is around 300 less than the HCI premiums explained in the plan...
I'm thinking my premiums are going down to 25% ... no 300 a year with shifted payments.
I'll pass
tk2kewl
(18,133 posts)i hope your health and financial situation continue to allow you the luxury of blowing off a plan that doesn't save *you* enough to be worth while
artislife
(9,497 posts)Some of us go to the store knowing exactly how much we can spend and making choices as we shop. How many of you have put things back on the shelf when your mental arithmatic told you that you have gone over the limit.
Me. I had to put things back just last week.
Some, like myself, have so little to spend after rent and utilities the math is very easy so, yes, we know exactly what we can buy and it's not much.
tk2kewl
(18,133 posts)policies from the point of view of their own wallet.
it's par for the course from my republican friends but really... what part of "universal" health care are people having trouble understanding
artislife
(9,497 posts)seaglass
(8,173 posts)they support this plan or not. There is not a side in this discussion that can claim altruism.
tk2kewl
(18,133 posts)i don't think your claim that both sides are the same holds water
ladyVet
(1,587 posts)I've had to do this almost my entire life. I can hardly remember a time I didn't have a price book in my head and a calculator in hand when I went shopping. Decisions had to be made about what we could do without. Many times risked going too long paying utilities because the kids had to eat.
I'd rather pay taxes for health care I can actually get, rather than for wars for profit. Let's face it, we will pay higher taxes. It just comes down to what they get spent on. If you're okay with making millionaires and billionaires richer, you probably don't belong here.
uponit7771
(90,359 posts)Kentonio
(4,377 posts)uponit7771
(90,359 posts)... currently passing that on to employees or not paying a damn thing at all outside of admin cost
Kentonio
(4,377 posts)Then that's already happening! Why would a reduction in their costs possibly lead to a need to pass more cost onto the employee? That makes absolutely no sense.
JonLeibowitz
(6,282 posts)Warren Stupidity
(48,181 posts)Warren Stupidity
(48,181 posts)At 6.2% salaries around 300k will cost more, every other worker will cost less.
TexasBushwhacker
(20,211 posts)Kaiser says the average employer contribution is $4.6K per year.
http://kff.org/other/state-indicator/single-coverage/
$4.6K is 6.2% of a $75K salary. Since that is considerably more than the average worker makes, most employers who already provide health insurance should come out ahead. I know our company will. I pay the bills.
Warren Stupidity
(48,181 posts)My mistake. Employer average cost is around 12k as per the Kaiser 2015 survey.
tk2kewl
(18,133 posts)than their profits? do you think that removing the middleman won't reduce cost?
Trajan
(19,089 posts)I will be paying less money ... Absolutely ...
Why aren't you mentioning that part? ...
Nobody likes to pay taxes, indeed ... But I would rather pay MORE taxes to a common fund than MORE premiums to a consortium of private corporations ....
More health care and less rip off ... Do you object?
jberryhill
(62,444 posts)pugetres
(507 posts)As for employers, the 6.7 percent payroll tax means employers would put up $3,350 for family coverage. Thats also thousands less than the average employer premium contribution of $12,591. - http://www.politifact.com/truth-o-meter/article/2016/jan/13/how-much-would-bernie-sanders-health-care-plan-cos/ Here's a link to a chart showing the average costs for single employees and employers per state: http://kff.org/other/state-indicator/single-coverage/.
Right now, my husband's employer pays for 100% of his premiums. We have to pay for all of mine (around $350/month). My husband's premiums cost more because he is older. So I'm guessing it is safe to say that his premiums are at least $400/month. So, his employer pays at least $4800/year to insure my husband alone. A 2.2% tax on our income is way less than what we spend now. And, that would cover BOTH of us rather than just one of us.
The question in terms of employers' costs is would they pass on their savings to their employees?
elleng
(131,079 posts)Revenue raised: $92 billion per year.
msanthrope
(37,549 posts)Also, he's never going to get a Congress to pass it.
leftofcool
(19,460 posts)Fawke Em
(11,366 posts)I'd rather pay less in taxes than keep paying a private insurance company.
But, keep acting as if we can't do a thing about the robber barons in this country. You'll soon find yourself affected.
artislife
(9,497 posts)Weak, scared and untrustworthy....she's a real leader!
elleng
(131,079 posts)● A 2.2 percentincome-based premium paid by households.
Revenue raised: $210 billion per year.
msanthrope
(37,549 posts)elleng
(131,079 posts)A 2.2 percentincome-based premium paid by households.
If not, which line-item?
msanthrope
(37,549 posts)taxes that will be passed along to American workers.
pangaia
(24,324 posts)that even with that increase, it is still cheaper than now for most people, do you not?
Plus employers should no longer have to pay workman's comp.
Fawke Em
(11,366 posts)elleng
(131,079 posts)found an item I thought responded to your post, and asked you to inform if there was another line item. Please provide it.
questionseverything
(9,657 posts)Under Sanders plan, a family of four earning $50,000 would pay just $466 per year to the Medicare-for-all program.
Businesses would save more than $9,400 a year in health care costs under Sanders plan. The average annual cost to the employer for a worker with a family who makes $50,000 a year would go from $12,591 to just $3,100.
Warren Stupidity
(48,181 posts)At least make your anti-tax republican talking point accurate.
earthside
(6,960 posts)... over this escalator of health insurance premiums.
And I'll bet most employers would love a 6.7 percent payroll tax for health care for the same reason.
Fawke Em
(11,366 posts)what my companies pays for health insurance right now.
I think that right now, they pay about 20 percent per employee for healthcare insurance.
On Edit:
This is just an average, but most employers pay $11,176 per employee for healthcare coverage.
http://www.forbes.com/sites/brucejapsen/2013/10/17/in-2014-workers-share-of-health-costs-nearly-5000-at-large-companies/#2715e4857a0b4e371663068e
The employee, on average, picks up $2,500 for that cost (rising to $5,000 when other forms of deductibles and co-insurance are included), so the employer's share is $8,676. Based on this proposal, most employers would be paying about about $3,100 per employee. That's a savings of nearly $6,000.
So, yes, it's cheaper for the average employer, as well.
Warren Stupidity
(48,181 posts)HerbChestnut
(3,649 posts)Saves most people *a lot* of money
thereismore
(13,326 posts)Kentonio
(4,377 posts)thereismore
(13,326 posts)Kentonio
(4,377 posts)I'm all giddy and not concentrating enough it seems.
pangaia
(24,324 posts)He/she is not Zatoichi.
msanthrope
(37,549 posts)thereismore
(13,326 posts)insurance. Just taxes.
DURHAM D
(32,611 posts)Does it exempt employers with less than 50 or 25 employees?
Is it still up to the states to fund part of it and administer it like his prior plans?
ETA: Just read everything I could find. That isn't really a plan, it is just some talking points. If I was a small business owner I would be having a cow right now.
DisgustipatedinCA
(12,530 posts)KittyWampus
(55,894 posts)DisgustipatedinCA
(12,530 posts)UglyGreed
(7,661 posts)shoooolshellist!!!!! We need HRC
grasswire
(50,130 posts)....but cut medical expenses more than that for Americans. Sounds like a very good deal.
msanthrope
(37,549 posts)Punkingal
(9,522 posts)msanthrope
(37,549 posts)win the presidency and at least one house of Congress preferably the senate I'll stop asking about the payroll tax.
Joe the Revelator
(14,915 posts)If i could pay a little more in taxes, and have that deductible off my back then i am all for it.
Before you ask, I am middle class, I work for a fortune 500, and prior to ACA I had co-pays and no deductible. The ACA is broken in the middle.
leftofcool
(19,460 posts)earthside
(6,960 posts)It's like being in some kind of politico-dimensional warp where a few Hillarians are eerily using all the anti-Obamacare themes to trash the dream of FDR and Harry Truman.
Fawke Em
(11,366 posts)I wouldn't have deductibles.
I know for a fact, the payroll tax is less than my companies pays for our healthcare insurance, so they'll be saving money.
My portion would go up slightly, but, I'm fine with it. I realize not everyone has their premiums paid for 100 percent.
uponit7771
(90,359 posts)... is delusional seeing they've been doing it over the last 20 years
Kentonio
(4,377 posts)Than existing premiums, then why would they pass anything extra on to employees when they are actually saving money?
uponit7771
(90,359 posts)... not a premium for a family of 4... I don't know where they pulled that one out of.
2.2% increase for employee
6.2% increase for employee (cause the employer will pass that along)
from a 50000yr salary is 4200 + 466 is 4666 which is ~300 from 5000 mentioned in the example..
It'll cost them that much in paper to do the shift... I'm thinking it'd be less than half... it's not
Kentonio
(4,377 posts)The employer will no longer be paying insurance premiums, so the 6.2% they pay under the new system will almost certainly be a reduction in what they pay now. Which if they pass it onto the employee, they would already be doing. They'll save money, so there would be absolutely no need to try and take more money from the employee.
uponit7771
(90,359 posts)Most companies now offer health coverage that requires employees to pay an annual deductible before insurance kicks in, and the size of that deductible has soared in the past decade, according to a survey released Tuesday by the Kaiser Family Foundation and Health Research & Educational Trust.
This is most employers, to say they're paying premiums now is sophistry seeing they're payments are low because the deductible is high and the emploYER is paying the deductible
RichVRichV
(885 posts)You get slammed by a large cost until you reach your deductible and still have the co-pays.
Are you calculating that into your cost comparison?
RiverLover
(7,830 posts)from the op article~
It builds on the strengths of Medicare, Reich wrote. Like Medicare, it's universal -- separating health insurance from employment, and enabling people to choose a health care provider without worrying about whether that provider is in-network: All theyd need do is go to the doctor and show their insurance card. No more copays, no more deductibles and no more fighting with insurance companies when they fail to pay for charges.
If only conservatives won't blow this up. This could seriously help so very many Americans who need it.
tk2kewl
(18,133 posts)Ram it into the public discussion. Once ordinary people start hearing about it I predict it will catch fire. He's not going to allow it to simply be dismissed as infeasible. If Hillary wants to say it can't be done she going to have to say its because she's unwilling to raise taxes on the rich... the capital gains tax in the proposal is really going to get her pals upset and she is going to have a hell of time explaining why they shouldn't pay more. I'm looking forward to it.
RiverLover
(7,830 posts)in_cog_ni_to
(41,600 posts)I can't WAIT for Bernie to explain this whole plan On NATIONAL TEEVEE to everyone watching the debate tonight so HRH and her DU operatives can't twist it into something it's not!
Good move on his part! Now he can tell the world the TRUTH about it.
PEACE
LOVE
BERNIE
ram2008
(1,238 posts)"The cost of the new federal health care premium would be more than offset by what such families would save on private premiums and deductibles, according to the analysis by Gerald Friedman, an economist at the University of Massachusetts at Amherst."
It's time for people to stop being afraid of the word tax, and realize that it saves them money in the long run.
libdem4life
(13,877 posts)Let 'em howl and run tell Hillary on him. Some of us are right sick of all the rich welfare that has been going on...that and corporate welfare. So, tell me again why we can't afford decent health care? Get them off the dole...pay their share. Enough is enough.
msanthrope
(37,549 posts)libdem4life
(13,877 posts)At least they won't have gawdawful insurance payments and go bankrupt when something happens.
As for me, I'm glad to see us at least trying to join the civilized world.
Chew on this: but then again, everyone knows it. It just isn't politically Republican/DINO enough.
JUN 16, 2014 @ 10:55 PM 273,422 VIEWS
U.S. Healthcare Ranked Dead Last Compared To 10 Other Countries
http://www.forbes.com/sites/danmunro/2014/06/16/u-s-healthcare-ranked-dead-last-compared-to-10-other-countries/#2715e4857a0b626c3fb51b96
ETA: So does illness and accidents and such. Let me say it for you this time
But what about payroll taxes?
mattvermont
(646 posts)the average employer will save 9000 bucks per employee in healthcare premium match. my wife current employer, a public school system pays about 18000/yr for our family plan. we pay an additional 6000 plus all copays and deductibles. it seems there will be plenty of room for employers to not pass on much to the employer.
libdem4life
(13,877 posts)new version to this mantra. Old. Overused. and a Duh.
snoringvoter
(178 posts)It's time for Wall Street to take care of the middle class on their dime.
libdem4life
(13,877 posts)Wealthy. Pay their fair share would do for me. Keep the money and the jobs here. They need to give back some of what they stole...on the backs of the workers, unions, overseas profits...unemployment and welfare and food stamps that cost the government.
We need Robin Hood. Perhaps, we'll get him...the updated version.
RandySF
(59,176 posts)Twice as much, actually. Wonderful.
leftofcool
(19,460 posts)RandySF
(59,176 posts)leftofcool
(19,460 posts)Kentonio
(4,377 posts)Where have I heard this exact same claim before...
Autumn
(45,120 posts)snoringvoter
(178 posts)Just wondering...
Autumn
(45,120 posts)that would be truly wonderful. I could enjoy a payment of 60 dollars a month. Fuck it, I would volunteer to double it and pay for someone else's and still pay less than my fucking premium.
RandySF
(59,176 posts)The 2..2% health premium would be double my current premium.
Autumn
(45,120 posts)want and be willing to help the ones who need the help. We have helped the wealthy and corporation long enough.
Kentonio
(4,377 posts)Fawke Em
(11,366 posts)and we ALL get access to healthcare!
pangaia
(24,324 posts)Doctor_J
(36,392 posts)I'm not surprised freepers and hillarians don't like it
Fawke Em
(11,366 posts)who pay next to nothing for their healthcare premiums and have no deductibles.
Either they are on Medicare, they're lying or they can't do math.
The average cost of insurance per employee is nearly $12,000 a year.
Fawke Em
(11,366 posts)I was using old numbers.
The average cost per employee for a family plan per year is more than $17,000 a year.
http://kff.org/health-costs/report/2015-employer-health-benefits-survey/
And this is from Kaiser, not some right-wing site.
draa
(975 posts)our evolution to the Republican Party is complete.
Today in our party, taxes are bad. Not just any taxes mind you but taxes for social service programs that Democrats have supported for years. It just boggles my mind that you have people attacking something that they would have supported 1 year ago and have for decades.
I honestly hope you enjoy your new party because it, as well as the people who now support "NO NEW TAXES," are in for a rude surprise.
elleng
(131,079 posts)in_cog_ni_to
(41,600 posts)rotten agenda.
A higher tax for Single-Payer MEDICARE FOR ALL, *******INSTEAD OF******** INSANELY HIGH INSURANCE PREMIUMS ****IS NOT*** Raising taxes just to be raising taxes. People can see a doctor when they're sick, go to the hospital when they need to and get medicine they need! Why does that bother you?
A family making $50,000 will save $6000 A YEAR!
You really made a fool out of yourself with this one. HRN would be proud.
PEACE
LOVE
BERNIE
pangaia
(24,324 posts)How fucking hard is it?
Sounds like a bunch of ignorant republicans.
arcane1
(38,613 posts)Medical care is now merely a prop to be used.
in_cog_ni_to
(41,600 posts)is EXACTLY what they sound like. I never thought I'd see the day when so-called "Democrats" would fight against Single-Payer Universal Healthcare!
It's so bizarre. They're just pissed off Bernie is doing it and not HRH. That's what it boils down to.
Also, they know damn well the tax is NOT an increase just for the sake if raising taxes, but that it REPLACES Exorbitantly HIGH insurance premiums. The TRUTH just doesn't fit their rotten agenda!
This is an INCREDIBLE PLAN! I know our family will save around $9,000 A YEAR! This will be the best thing to happen to this country since Medicare and Social Security!
Go, Bernie!
PEACE
LOVE
BERNIE
pangaia
(24,324 posts)But I can be pretty naive.
Mind boggling, either way.
ladyVet
(1,587 posts)in_cog_ni_to
(41,600 posts)Economy.
PEACE
LOVE
BERNIE
mattvermont
(646 posts)uponit7771
(90,359 posts)... their 6.2% increase on to the employee.
They will, like they've been doing for the last 20 years which is part of the reason wages have been stagnant.
I'm thinking we'll be paying less than half... it's only around 5% savings... whatever... this stinks!!
Warren Stupidity
(48,181 posts)So what you actually are saying is that they will be passing those savings on to their workers.
cherokeeprogressive
(24,853 posts)Why not post the relevant facts?
$250,000 earners' taxes go up a few points.
Those making over $10 million see their taxes go up almost 13 points.
hrmjustin
(71,265 posts)I do like the idea of taxing the rich though.
CharlotteVale
(2,717 posts)what we have now.
Doctor_J
(36,392 posts)An actual democrat would be more likely to post
Sanders releases healthcare plan. All Americans covered, no payments to profiteers"
I guess we'll know which way the hillarians will vote if it's Sanders versus a for profit advocate like Bush.
arcane1
(38,613 posts)The policies are irrelevant to these people, they are only tools that can be interchanged as needed. "Whatever It Takes!(tm)"
morningfog
(18,115 posts)riversedge
(70,296 posts)morningfog
(18,115 posts)Should be ashamed.
Kalidurga
(14,177 posts)It would save my youngest daughter about $1,200 a year. It will save my household about double that.
ismnotwasm
(42,000 posts)My husband has multiple sclerosis and is unable to work. His drugs alone are 2 grand a month (he has a very expensive once a month infusion) With my current health insurance my deductible is high, my premium payment relatively low. My husband has disability for back up. I am the primary. I work as a nurse, and make a decent wage, but we struggle. According to Sanders then, elect him and Tysabri infusions will be free? Including the special monitoring and specially trained healthcare staff? Just like that? How about durable medical equipment? He uses an electric wheelchair from time to time. He needs a new one. Or the very expensive Botox injections he gets in his legs every 4 month to stop excruciating spasms.
The aricle releases nothing I find reassuring, much less anything that will get through congress. While I appreciate the effort from Sanders, I don't see it as a workable plan, unless it is phased in over at least a decade, survives multiple attacks, and gets the math straightened out. It's still fuzzy.
I'll still take Hillary thank you.
Kentonio
(4,377 posts)Would cost nothing beyond the payroll tax premium. You don't find that appealing?
RandySF
(59,176 posts)Kentonio
(4,377 posts)Also, you don't pay any deductible?
RandySF
(59,176 posts)But better to pay a small deductible when I actually go to the Dr. than getting gouged for the time that I do not.
Kentonio
(4,377 posts)For Christs sake, you'd be contributing into a system that ensured everyone was covered!
TexasBushwhacker
(20,211 posts)Families making $28600 will pay nothing.
Yes, people with high salaries will pay more. If you are in that group and think we should continue to have millions of people un and underinsured so that you can have lower premiums, well ....
Squinch
(50,993 posts)debated.
Doesn't scream confidence that it will stand up to scrutiny.
BainsBane
(53,056 posts)Yet now there is a tax increase. I've like to see a GOP House or Senate that would approve a 52% tax on the wealthy. We do have a constitution that requires congress approve tax and spending.
Bjorn Against
(12,041 posts)You can't just focus on the new tax and ignore all the savings, the large majority of people would save thousands per year on this plan.
99Forever
(14,524 posts)You spout half the story and think you have "proved" something?
It's exactly like giving a "halftime score" of....
San Francisco 14
Pretty fucking lame. Exactly what we've come to expect from you.
redstateblues
(10,565 posts)Or was it Dukakis?
99Forever
(14,524 posts)If I don't get raped by Big Insurance for ridiculous premiums, deductibles, and "co-pays," I can well afford a reasonable increase in my taxes.
So I ask you again:
Just what the fuck is your point?
Warren Stupidity
(48,181 posts)Seriously? Did you think that universal health care was paid for with unicorn farts?
abelenkpe
(9,933 posts)Raises taxes a tiny bit, mostly on the wealthy. Damn, Republicans are going to lose their mind!